tier health

Finding the best health plan with the coverage to fit your needs can be challenging, so we compared health insurance plans in Louisiana by metal tier in order to determine the most affordable policies available for each level of coverage. The insurers and policies below may not be available in your region, but you can use this information as a starting point to compare the costs and benefits you can expect from a given metal tier.

For example, the Christus Silver plan has a minimum monthly premium of $496 (before subsidies) for a 40-year-old in Louisiana shopping for Silver coverage. This is $57 less than the monthly premium for the cheapest Gold plan. In exchange for this lower rate, you would have to pay more out of pocket — the Silver health plan’s deductible, for example, is $1,250 greater than that of the Gold plan.

Two factors that greatly affect your monthly health insurance premiums are metal tier and age. The metal tier, or coverage tier, affects how much money you pay out of pocket. You have lower deductibles, copays and coinsurance with higher tiers — but also higher monthly premiums.

And as your age increases, the monthly health insurance rates you have to pay increase across metal tiers. For a Silver health care plan, a 40-year-old in Louisiana pays 28% more on average than a 21-year-old for the same level of coverage. A 60-year-old pays 112% more than a 40-year-old for the same health plan.

Finding your best health insurance coverage in Louisiana

In Louisiana, the availability and costs of policies vary depending on the region in which you live. Higher metal tier health plans, like Gold plans, come